Liquidez inmediata de las Cooperativas de Ahorro y Crédito Cacpe Zamora Cia. Ltda y de Servidores Públicos, R.I.

Abstract

The research carried out examines the liquidity of Ecuadorian banks, as well as some exogenous factors that cause people and companies that have applied for loans to financial institutions to fall into arrears, directly affecting the liquidity of banks due to non-recovery of loans. granted, the inquiry develops through the analysis of two financial statements and with the help of the ratios the liquidity analyzed from these instruments. The Ecuadorian financial system is classified into two categories, group A formed by banks and group B by cooperatives and savings banks, mutuals, all have their activity defined by the Superintendency of banks and insurance and by the Economy System Popular and supportive The corporate purpose of the banks is to grant credit to the different sectors and in turn generate income from ordinary activities under this modality, which is why the interest charged on the main source of income is constituted. The results found indicate that liquidity in the financial sector is the basis for the full development and growth of a country, companies and individuals, when banks have financial health ie liquidity contribute to boost the economy.